We Offer Competitive Rates
At First Financial Northwest Operated by Global Credit Union, we understand that your financial goals are unique. That’s why we offer a suite of competitive rates on home loans, business loans, and deposit accounts to help you achieve them.
Home Loan Rates
First Financial Northwest Operated by Global Credit Union is unlike any other credit union you’ll find – we are different, and here’s why. We are a portfolio lender, and have your loan, from the underwriting to the funding, to the servicing, right here at First Financial Northwest Operated by Global Credit Union, where it belongs. So if you ever have a question or a problem, we’re here to help you. First Financial Northwest Operated by Global Credit Union – the people who know you and your loan best, and provide personalized service and unique innovative solutions.
Effective Date: Monday, July 7, 2025
APR = Annual Percentage Rate
Home Loans
| Type | Interest Rate | APR as low as | Number of Payments | Fixed Monthly Payment / $1000 | A.R.M. Monthly Payment / $1000 |
|---|---|---|---|---|---|
| 30 year fixed | 6.875% | 7.025% | 360 | $6.57 | N/A |
| 20 year fixed | 6.500% | 6.691% | 240 | $7.46 | N/A |
| 15 year fixed | 5.875% | 6.105% | 180 | $8.37 | N/A |
| 10 year fixed | 5.625% | 5.993% | 120 | $10.91 | N/A |
| 5/1 A.R.M. | 6.000% | 6.668% | 360 | $6.00 | $6.50 |
| 7/1 A.R.M. | 6.125% | 6.628% | 360 | $6.08 | $6.49 |
| 10/1 A.R.M. | 6.625% | 6.855% | 360 | $6.40 | $6.54 |
Annual Percentage Rates quoted include all applicable finance charges.
Above quoted rates do not include a discount fee (points).
Interest rates and/or fees are subject to change without notice, and may vary based on credit quality and other risk-based issues, and are subject to credit approval. The actual interest rate and Annual Percentage Rate (APR) you receive may be different than the rates displayed here. With A.R.M. loans the APR may increase after consummation. The monthly payment does not reflect the amounts paid into escrow, such as taxes and insurance, and your monthly payment may be higher if an escrow/impound account is established or required. All rates shown are based on the following scenarios: conforming loans are based on 80% financing (loan to value), or 20% down payment. Jumbo loans are based on 75% financing (loan to value), or 25% down payment. APR based on representative $250,000 loan amount for conforming loans and $550,000 loan amount for jumbo loans and includes discount fee (points) listed plus closing costs. Products shown above do not include a pre-payment penalty. For A.R.M. loans, the payment after the initial fixed period will be calculated using an interest rate equal to the current index value (SOFR 30-day Avg), as published in the Federal Reserve Bank of New York plus a margin of 2.50% subject to annual and lifetime caps. Interest rates quoted assume impounds for taxes and insurance as well as automatic payment from a Checking or Savings account.
Featured Loan Programs
| Type | Interest Rate | APR as low as | Number of Payments | Fixed Monthly Payment / $1000 | A.R.M. Monthly Payment / $1000 |
|---|---|---|---|---|---|
| 5/1 Jumbo A.R.M. | 6.000% | 6.640% | 360 | $6.00 | $6.50 |
| 7/1 Jumbo A.R.M. | 6.125% | 6.563% | 360 | $6.08 | $6.49 |
Annual Percentage Rates quoted include all applicable finance charges.
Above quoted rates do not include a discount fee (points).
Interest rates and/or fees are subject to change without notice, and may vary based on credit quality and other risk-based issues, and are subject to credit approval. The actual interest rate and Annual Percentage Rate (APR) you receive may be different than the rates displayed here. With A.R.M. loans the APR may increase after consummation. The monthly payment does not reflect the amounts paid into escrow, such as taxes and insurance, and your monthly payment may be higher if an escrow/impound account is established or required. All rates shown are based on the following scenarios: conforming loans are based on 80% financing (loan to value), or 20% down payment. Jumbo loans are based on 75% financing (loan to value), or 25% down payment. APR based on representative $250,000 loan amount for conforming loans and $550,000 loan amount for jumbo loans and includes discount fee (points) listed plus closing costs. Products shown above do not include a pre-payment penalty. For A.R.M. loans, the payment after the initial fixed period will be calculated using an interest rate equal to the current index value (SOFR 30-day Avg), as published in the Federal Reserve Bank of New York plus a margin of 2.50% subject to annual and lifetime caps. Interest rates quoted assume impounds for taxes and insurance as well as automatic payment from a Checking or Savings account.